Private sector lenders such as HDFC Bank and ICICI Bank also offer limited number of transactions free of cost every month

SBI also charge an amount for issuance of debit cards and its annual maintenance

Key lenders in the country offer the service of ATM-cum-debit cards but levy certain charges for making transactions at ATMs. The country's largest bank, State Bank of India or SBI, also offers these facilities but allows limited number of ATM transactions free of cost every month. The number of permitted free transactions at ATMs in a month depends on factors such as the location of ATM. SBI also charge an amount for issuance of debit cards and its annual maintenance. For instance, SBI charges Rs 306 for issuance of a platinum debit card.